A victory was obtained in the case of Melcorp, Inc. v. West American Ins. Co., No. 21-2448 (7th Cir. June 8, 2022). The Seventh Circuit affirmed yet another trial court decision in favor of an insurer on a Covid-19 business...more
6/23/2022
/ Business Interruption ,
Business Losses ,
Commercial Insurance Policies ,
Coronavirus/COVID-19 ,
Critical Infrastructure Sectors ,
Denial of Insurance Coverage ,
Deprivation of Property ,
Government Shutdown ,
Infectious Diseases ,
Insurance Claims ,
Insurance Litigation ,
Judgment on the Pleadings ,
Loss of Use ,
Restaurant Industry
Hail damage is so typical in Texas that Chapter 542A of the Texas Insurance Code is known as the “Hail Bill.”
Texas follows the concurrent cause doctrine. As the Texas Supreme Court held in Lyons v. Millers Casualty...more
10/12/2021
/ Commercial Insurance Policies ,
Commercial Property Owners ,
Concurrent Causation ,
Denial of Insurance Coverage ,
Insurance Claims ,
Insurance Litigation ,
Policy Exclusions ,
Policy Terms ,
Property Damage ,
Property Insurance ,
Severe Weather
States, counties and municipalities have issued “stay at home,” “shelter-in-place,” and other orders relating to COVID-19. Many orders require the suspension of non-essential construction projects. The orders typically have...more
Will orders issued by governmental authorities to deal with the coronavirus crisis trigger civil authority coverage?
...more
The hurricane may trigger civil authority or ingress/egress coverage for businesses that are not directly damaged but lose income because they cannot access their operations for a period of time due to a governmental...more
9/20/2018
/ Business Interruption ,
Civil Authority Coverage ,
Flooding ,
Hurricane Florence ,
Hurricane Season ,
Ingress/Egress ,
Insurance Industry ,
Natural Disasters ,
Property Insurance ,
Real Estate Market ,
Severe Weather
On June 27, 2017, the world had its second major ransomware attack in two months, and experts are predicting more to come. The first, named WannaCry, began May 12, and quickly spread to over 400,000 machines, the vast...more
7/14/2017
/ Cyber Attacks ,
Cyber Crimes ,
Cyber Insurance ,
Cybersecurity ,
Data Breach ,
Hackers ,
Information Technology ,
Personally Identifiable Information ,
Phishing Scams ,
Popular ,
Ransomware ,
Risk Management
Property policies typically include an exclusion for loss caused by or resulting from earth movement. Some insurers will provide coverage for earth movement, but that coverage will usually have a sub-limit. For years,...more